Vision Broking Group

13/05/2026

Budget 2026-27 changes that impact property investment and small business

📈Negative gearing restricted to new builds

From 1 July 2027, negative gearing will generally only apply to new residential properties (and some eligible housing programs).

Existing properties are grandfathered (no change for current investors), but new purchases of established homes will have limited ability to offset losses against salary income.

Investors who buy established housing after Budget night will still be able to deduct losses against residential property income. They will be able to carry forward unused losses to future years but won’t be able to deduct them against other income like wages.

🏠50% CGT discount removed and replaced

The current 50% CGT discount will be replaced with inflation (cost base) indexation plus a minimum 30% tax on capital gains from 1 July 2027.

This shifts the system to taxing real (inflation-adjusted) gains, rather than providing a flat discount.

Grandfathering applies: assets held before budget night largely retain current rules, and CGT changes only apply to future gains after July 2027.

Transitional rules mean investors won’t be impacted retrospectively, but future investment decisions and tax outcomes will materially change.

🚗Instant asset write‑off

The Government is also improving cash flow for small businesses by permanently extending the $20,000 instant asset write‑off from 1 July 2026.

For detailed information you can follow the below link

Australian Federal Budget, 2026-27

05/05/2026

Australia’s rates are on the move again.

Today’s 0.25% rate increase by the RBA takes the cash rate to 4.35%.

This decision reflects ongoing inflation pressures, primarily driven by higher fuel prices, while noting that unemployment has remained steady at 4.30%.

19/12/2025

Merry Christmas! 🎄

Wishing all your family and friends a joyful holiday season filled with laughter, love, and great memories.

Here’s to an amazing year ahead! 🎅✨

08/09/2025

📚 Changes to Study & Training Loans – What You Need to Know

From 1 July 2025, new rules apply to compulsory repayments on study and training loans, which could impact your borrowing capacity as:

The minimum repayment income needed to make a compulsory repayment has increased to $67,000 (from $54,435 in 2024–25).
Compulsory repayments have moved to a marginal repayment system and are only calculated on the income above $67,000 (instead of the total repayment income).
Repayment rates for the 2025–26 income year are as follows:
• 15 cents for every dollar of your repayment income that exceeds $67,000 up to $125,000,
• $8,700 plus 17 cents for every dollar of your repayment income that exceeds $125,000 up to $179,285, &
• 10% of your total repayment income if it is $179,286 or more.

If you're looking to purchase and want to explore your borrowing capacity, please contact me to discuss your options.

14/08/2025

The Reserve Bank of Australia (RBA) lowered the cash rate by 25 basis points to 3.60% following its August monetary policy meeting.

The move was widely anticipated after trimmed mean inflation, the RBA’s preferred measure, eased to 2.7% annually in the June quarter, according to the Australian Bureau of Statistics. With inflation within the target range and signs of a softening labour market, the board opted to lower rates cautiously.

With rates moving down, now is a great time to review your loan. Contact me to discuss your options.

20/06/2025

Need new equipment? We can help finance it!

Upgrading your business equipment can boost efficiency, productivity, and profitability — but finding the right finance solution is key!

We specialise in helping businesses secure the right funding for equipment purchases. Whether it’s machinery, vehicles or other equipment you’re buying we’ll find a solution that works for you!

We offer flexible loan options tailored to suit your business needs, as well as competitive rates and terms to help you grow your business without creating financial strain.

Reach out and let us help grow your business!

05/06/2025

FIRST HOME BUYERS! 🏡

Thinking about buying your first home? Here’s what you need to know!

With interest rates easing and government incentives available, now could be the perfect time to take the leap into homeownership, take advantage of:

• Lower deposit options – Some programs allow you to buy with as little as a 5% deposit.

• The First Home Owner Grant (FHOG) – A grant of $10,000 is available when purchasing or building a new home in Victoria, provided it's your first home and meets specific criteria.

• The First Home Super Saver (FHSS) scheme - you can use some of your eligible voluntary super contributions to help buy your first home.

• Stamp Duty concessions – Some states offer stamp duty concessions or exemptions for first-home buyers purchasing established homes.

We pride ourselves on our ability to help first-home buyers navigate the process of buying and financing their first home.

Let’s chat about how we can make your dream home a reality, call or message us today!

01/05/2025

📣 Big news for Aussies with student loans!

Federal Treasurer Jim Chalmers is asking Australia’s financial regulators to make it easier for people with HECS/HELP debt to get a home loan 🏡💰

He’s called on ASIC and APRA to change the way student debt is assessed by banks when determining someone’s ability to get a home loan. This could be a great step toward helping more people buy their first home! 🙌

Some lenders have already introduced new policies regarding the treatment of HECS/HELP debt, please reach out if you want to know more.

APRA has begun consulting on proposed changes to how banks treat Higher Education Loan Program (HELP) debt repayments when assessing home loan applications.

25/07/2024

We’re delighted to share that we had the privilege of assisting with the financing of this impressive piece of machinery – a Liebherr crane!

What a rewarding experience, looking forward to seeing the amazing work this machine does.

02/07/2024